Mobile device pay method

Abstract

The present invention relates to a micropayment transaction technology, more particularly, the present invention relates to a mobile device payment method, which is able to control consumption and enhance transaction security for buyer. The present invention is able to process payment by letting the buyer register personal account number in a transaction platform in advance via a mobile device and generating a numbered account after verification for later prepay consumption. Thus, the numbered account and the mobile device are applied for user's personal identification. Thus the user is able to control consumption efficiently, and the prepayment or the consumption both need identification to prevent credit card from been stolen or leaked out and fraud financial transaction, and the transaction security is highly increased.

What is claimed is: 
     
         1 . A mobile device payment method, which is characterized in that an user uses a mobile device to prepay money or consume money on a cash flow management platform via a telecom company, and the method to activate an user account comprises steps of:
 a registrant registers a user's phone number and an Personal identification code via a online service webpage provided by the cash flow management platform;   the cash flow management platform receives a registration notice and sends brief codes to the user and the telecom company respectively according to the phone number;   if the user receives the brief code, then the user replies the brief code and the Personal identification code to the telecom company by the registered phone number;   the telecom company does plausibility check of the phone number and notices the real estate to the cash flow management platform, and the cash flow management platform also checks the brief code to verify whether the registrant is the user or not;   if the registrant is the user, then the cash flow management platform generates a numbered account combined with a anti-fraud code according to the registered phone number.   
     
     
         2 . The mobile device payment method as claimed in  claim 1 , wherein the user is able to transfer the money from an real account to the numbered account of the user in the cash flow management platform as the money when the numbered account is activated and the money of an instant prepay numbered account. 
     
     
         3 . The mobile device payment method as claimed in  claim 1 , wherein the user use a mobile device to launch the numbered account with anti-fraud code in the cash flow management platform to consume money and for the user to use the numbered account to do internet payment, and the method further comprises the steps of:
 selecting an product with online-payment by the user via the device;   inputting a phone number on a story webpage with online-payment by the user via the mobile device;   sending a transaction certification code for being shown on the story webpage to the user after the cash flow management platform receives the consumption request of the user;   sending the transaction certification code and the Personal identification code to the telecom company via the mobile device of user according to the notice or index on the webpage;   proceeding the plausibility check of the phone number and noticing the real estate to the cash flow management platform by the telecom company, and the cash flow management platform also check the transaction certification code and the numbered account;   when the phone number is determined as real by the telecom company, and the transaction certification code is determined as real by the cash flow management platform, the phone number of the user is then checked jointly with the data of the registered personal account number, when it shows matching result, the user is lead to check-out webpage;   after the transaction is close-the-deal, the cash flow management platform deduct the payment from the numbered account, and transfers the payment from the consumer's numbered account to the store bank account in the cash flow management platform immediately.   
     
     
         4 . The mobile device payment method as claimed in  claim 1 , wherein the user use a mobile device to launch the numbered account with anti-fraud code in the cash flow management platform to consume money and for the user to use the numbered account to do internet payment, and the method further comprises the steps of:
 providing phone number to the store by the user, and the store requests user consumption to the cash flow management platform;   sending a transaction certification code to the store and the user after the user consumption request is received by the cash flow management platform;   sending the transaction certification code and the Personal identification code of the user to the telecom company by the user via the user's mobile device;   proceeding the plausibility check of the phone number and noticing the real estate to the cash flow management platform by the telecom company, and the cash flow management platform also check the transaction certification code and the numbered account;   when the phone number is determined as real by the telecom company, and the transaction certification code is determined as real by the cash flow management platform, the phone number of the user is then checked jointly with the data of the registered personal account number, when it shows matching result, the user is lead to check-out webpage;   after the transaction is close-the-deal, the cash flow management platform deduct the payment from the numbered account, and transfers the payment from the consumer's numbered account to the store bank account in the cash flow management platform immediately.   
     
     
         5 . A mobile device payment method, which is characterized in that an user uses a mobile device to prepay money or consume money on a cash flow management platform via a telecom company, and if the user does not register in advance but prepay money to the cash flow management platform, the method to activate an user account comprises steps of:
 recognizing the prepay entity account of user as a bonding account by the cash flow management platform;   sending timeliness message by the cash flow management platform to the user to notice the user to register user's phone number and Personal identification code in the cash flow management platform;   a registration notice is received by the cash flow management platform and brief codes are sent to the user and the telecom company respectively according to the phone number;   if the user receives the brief code, then the user replies the brief code and the Personal identification code to the telecom company by the registered phone number;   the telecom company does plausibility check of the phone number and notices the real estate to the cash flow management platform, and the cash flow management platform also checks the brief code to verify whether the registrant is the user or not;   if the registrant is the user, then the cash flow management platform generates a numbered account combined with a anti-fraud number according to the registered phone number;   if the user does not register in the cash flow management platform timely, the cash flow management platform invalidates the prepaid money and returns the prepaid money to the original user's account.